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Saving a deposit is only half the first-home battle — the other half is knowing what a lender will actually approve before you fall in love with a house. This calculator runs your income, deposit and target price through the same serviceability logic banks use: loan-to-value ratio, repayment load and the stressed rate you will be assessed on. Use it before you book viewings, so every open home you walk into is one you can genuinely afford.
eligibility + deposit gap report
Most lenders want at least 20% to avoid lender's mortgage insurance, but many first-home schemes accept 5-10% with a government guarantee — check what applies in your state or country.
LVR is your loan divided by the property value. Under 80% you usually skip mortgage insurance and unlock better rates; above 80% expect either insurance or a higher rate.
No — it is an education tool, not a lender. But it gives you the numbers to take to a broker so you are never asking a vague question.
Every tool answers instantly from our own knowledge and calculators. Want the deeper, personalised version? Each has a $2.95 full report.